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The periodic rate, expressed as an annual amount, used to compute the interest charge on an outstanding balance.

Annual Fee

A fee charged once a year for maintaining an account and for any special services. Be sure to check the terms and conditions of the account to see if an annual fee applies.

*The category “All Cards” is meant to assist with online credit card browsing purposes only and may not include all credit card products offered by Wells Fargo.

Please note that the offers displayed on this page may differ from offers you may have received from Wells Fargo. Please refer to your offer specific disclosures for more details.

Available to both citizens and permanent resident aliens of the U.S.

To qualify for the $200 cash rewards bonus, a total of at least $1,000 in net purchases (purchases minus returns/credits) must post to your account within 3 months from the date your account is opened. The bonus cash rewards will show as redeemable within 1-2 billing periods after they are earned. Cash advances and balance transfers do not apply for purposes of this offer and may impact the credit line available for this offer. ATM transactions, cash advances of any kind, balance transfers, SUPERCHECKSTM, cash equivalents such as money orders and prepaid gift cards, casino gaming chips, wire transfers, off-track wagers, lottery tickets, or bets or wagers transmitted over the internet, fees or interest posted to a linked account, including but not limited to returned payment fees, late fees, and monthly or annual fees, do not earn cash rewards. Refer to the Summary of the Wells Fargo Rewards® Program Terms and Conditions and Addendum to the Wells Fargo Rewards® Program Terms and Conditions for the Wells Fargo Cash Wise Visa Platinum® Card for details.

1.5% cash rewards are earned for every $1 spent in net purchases (purchases minus returns/credits) on the Credit Card account. ATM transactions, cash advances of any kind, balance transfers, SUPERCHECKSTM, cash equivalents such as money orders and pre-paid gift cards, casino gaming chips, wire transfers, off-track wagers, lottery tickets, or bets or wagers transmitted over the Internet, fees or interest posted to a linked account, including but not limited to returned payment fees, late fees, and monthly or annual fees, do not earn cash rewards. Refer to the Summary of the Wells Fargo Rewards® Program Terms and Conditions and Addendum for the Wells Fargo Cash Wise Visa® Card for further details.

Five rewards points (1 base plus 4 bonus) are earned for every $1 spent in net purchases (purchases minus returns/credits) during the first six months, from the date the credit card account is opened, at retailers whose merchant code for Visa is classified as grocery stores, drugstores, and gas stations. The maximum amount of bonus points you can earn under this promotion is 50,000 (which is $12,500 in net purchases), regardless of how much you purchase or how many transactions you make during the promotional period. Purchases not processed using these merchant codes for Visa will not qualify for bonus rewards points. Wells Fargo does not have the ability to control how a retailer chooses to classify their business and, therefore, reserves the right to determine which purchases qualify for bonus rewards points. You may not earn bonus rewards points for purchases made through third-party payment accounts, at online marketplaces, with retailers who submit purchases using a mobile/wireless card reader, or if you use a mobile or digital wallet. One rewards point will be earned per dollar spent on other net purchases. ATM transactions, cash advances of any kind, balance transfers, SUPERCHECKS™, cash equivalents such as money orders and prepaid gift cards, casino gaming chips, wire transfers, off-track wagers, lottery tickets, or bets or wagers transmitted over the internet, fees or interest posted to a linked account, including but not limited to returned payment fees, late fees, and monthly or annual fees, do not earn points. Refer to the Summary of the Wells Fargo Rewards® Program Terms and Conditions and Addendum to the Wells Fargo Rewards® Program Terms and Conditions for the Wells Fargo Visa Signature® Card for details.

You must be an account holder of a Wells Fargo consumer credit product with a FICO® Score on record.

Important: There are many factors that Wells Fargo looks at to determine your credit options, therefore a specific FICO® Score or Wells Fargo credit rating does not necessarily guarantee a better loan rate, approval of a loan or an automatic upgrade on a credit card.

FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries.

Your mobile carrier's rates may apply.

Five rewards points (1 base plus 4 bonus) are earned for every $1 spent in net purchases (purchases minus returns/credits) during the first six months, from the date the credit card account is opened, at retailers whose merchant code for Visa is classified as grocery stores, drugstores, and gas stations. The maximum amount of bonus points you can earn under this promotion is 50,000 (which is $12,500 in net purchases), regardless of how much you purchase or how many transactions you make during the promotional period. Purchases not processed using these merchant codes for Visa will not qualify for bonus rewards points. Wells Fargo does not have the ability to control how a retailer chooses to classify their business and, therefore, reserves the right to determine which purchases qualify for bonus rewards points. You may not earn bonus rewards points for purchases made through third-party payment accounts, at online marketplaces, with retailers who submit purchases using a mobile/wireless card reader, or if you use a mobile or digital wallet. One rewards point will be earned per dollar spent on other net purchases. ATM transactions, cash advances of any kind, balance transfers, SUPERCHECKS™, cash equivalents such as money orders and prepaid gift cards, casino gaming chips, wire transfers, off-track wagers, lottery tickets, or bets or wagers transmitted over the internet, fees or interest posted to a linked account, including but not limited to returned payment fees, late fees, and monthly or annual fees, do not earn points. Refer to the Summary of the Wells Fargo Rewards® Program Terms and Conditions and Addendum to the Wells Fargo Rewards® Program Terms and Conditions for the Wells Fargo Rewards® Card for details.

Your mobile carrier’s message and data rates may apply.

Cellular Telephone Protection can reimburse the eligible Wells Fargo Consumer credit card cardholder for damage to or theft of a cellular wireless telephone. Eligible Cellular Wireless Telephones are limited to the primary line and up to the first three additional lines as listed on your provider’s monthly statement. Cellular Telephone Protection is subject to a $25.00 deductible per claim and a maximum of 2 claims per 12 month period. The maximum benefit limit is $600.00 per occurrence and $1,200.00 per 12 month period. You will receive no more than the value of the original phone or a replacement phone with similar features and functionality, less a $25.00 deductible. This benefit does not cover cellular telephones that are lost. This protection is only available when cell phone bills are paid from your Wells Fargo Consumer Credit Card. The coverage does not apply if the cell phone bill is paid from a Wells Fargo Debit Card, Wells Fargo Business Credit Card, or from the card that is linked to a Line of Credit. Coverage does not apply for electronic failure or cell phones that are received as part of a pre-paid plan. Cellular telephone protection coverage begins the first day of the calendar month following your first cellular telephone billing on your Wells Fargo Consumer Credit Card, and remains in effect when you continue to charge your total monthly cellular telephone bill to your Wells Fargo Consumer Credit Card. This protection may not be equivalent to or better than other applicable coverage you may have presently or in the future, such as your homeowner’s or automobile insurance policies, or through a plan provided through the seller of the telephone. For complete coverage benefits and exclusions regarding this protection call 1-800-642-4720, 24 hours a day, seven days a week or go to wellsfargo.com/cellphone.

Protection is subject to a $25 deductible per claim and maximum benefit limit of $600 per occurrence. Protection covers eligible cellular telephones billed to your covered Wells Fargo Consumer Credit Card, subject to a maximum of two claims per twelve-month period, for each Wells Fargo Consumer Credit Card account number. You will receive no more than the value of the original phone or a replacement phone with similar features and functionality, less a $25 deductible. Protection covers the primary line and up to the first three additional lines listed on your provider’s monthly statement. Cellular telephones that are stolen or damaged are protected. This benefit does not cover cellular telephones that are lost. This protection is only available when cell phone bills are paid from your Wells Fargo Consumer Credit Card. The coverage does not apply if the cell phone bill is paid from a Wells Fargo Debit Card, Wells Fargo Business Credit Card, or from the card that is linked to a Line of Credit. Coverage does not apply for electronic failure or cell phones that are received as part of a pre-paid plan. Cellular telephone protection coverage begins the first day of the calendar month following your first cellular telephone billing on your Wells Fargo Consumer Credit Card, and remains in effect when you continue to charge your total monthly cellular telephone bill to your Wells Fargo Consumer Credit Card. This protection may not be equivalent to or better than other applicable coverage you may have presently or in the future, such as your homeowner’s or automobile insurance policies, or through a plan provided through the seller of the telephone. Read all the coverage benefits and exclusions for this protection by going to wellsfargo.com/cellphone or call 1-800-642-4720, 24 hours a day, seven days a week.

3% cash rewards (1% base plus 2% bonus) are earned for every $1 spent in net purchases (purchases minus returns/credits) during the first 6 months, from the date the credit card account is opened, at retailers whose merchant code for Visa is classified as grocery stores, drugstores and gas. Purchases not processed using these merchant codes for Visa will not qualify for bonus cash rewards. Wells Fargo does not have the ability to control how a retailer chooses to classify their business and therefore reserves the right to determine which purchases qualify for bonus cash rewards. You may not earn bonus cash rewards for purchases made through third-party payment accounts, at online marketplaces, with retailers who submit purchases using a mobile/wireless card reader, or if you use a mobile or digital wallet. A 1% cash reward will be earned per dollar spent on other net purchases. ATM transactions, cash advances of any kind, balance transfers, SUPERCHECKSTM, cash equivalents such as money orders and pre-paid gift cards, casino gaming chips, wire transfers, off-track wagers, lottery tickets, or bets or wagers transmitted over the Internet, fees or interest posted to a linked account, including but not limited to returned payment fees, late fees, and monthly or annual fees, do not earn cash rewards. Refer to the Wells Fargo Cash Rewards Program Terms and Conditions and Addendum to the Wells Fargo Rewards Program Terms and Conditions for the Wells Fargo Cash Back College Card for details.

Eligibility to graduate to an unsecured credit card is restricted to U.S. citizens and permanent residents with a valid Social Security Number only.

In addition to the terms and conditions of the credit card, you must also make a one-time security deposit of $300-$10,000 to a "Collateral Account." Your security deposit determines the limit that you may charge up to, and is held as a deposit in the Collateral Account. You still need to make monthly payments toward any balance you accrue, as with any other credit card. Review the Wells Fargo Secured Card Terms and Conditions for details.

Eligibility is limited to citizens and permanent resident aliens of the U.S with a valid Social Security Number. A valid Social Security Number is a Social Security Number without restrictions. Nonresident aliens may want to consider applying for the Wells Fargo Secured Credit Card instead.